Advance America Oak Park Has the Money You Need

Whether you're looking for a Payday Loan or Tax Services to get you through until your next paycheck, Advance America Oak Park is the place for you. Advance America is a nationally recognized, fully licensed financial company that helps millions of people every year. Our services include: Payday Loans, Online Payday Loans, Tax Services, MoneyGram Services and Visa Prepaid Cards.

The Simple Process:

Requirements to Apply:

Active checking account

Source of income

Valid Social Security Number

At least 18 years old

Have a valid and active email address

Loan Repayment

The maximum payday loan amount for Michigan residents is $600.00, with loan terms between 7 and 31 days. When your loan is due, the loan amount plus any accrued interest and fee(s) will be withdrawn from your checking account. In accordance with Michigan law, your loan must be paid in full on the due date.

If you need to use an alternative method of payment, please contact us at least two business days prior to the due date at 1-877-505-0701. We do not offer refinances in the state of Michigan.

License/Registration

ACSO of Michigan, Inc. d/b/a Advance America is licensed by Michigan’s Department of Insurance and Financial Services pursuant to the MICHIGAN DEFERRED PRESENTMENT SERVICE TRANSACTIONS ACT, Act 244 of 2005.

*Applications must be submitted prior to 8 PM ET to receive funds the next banking day.

Under Michigan law, you are entitled to receive the proceeds of your loan in a check or money order. If you request the proceeds in a check or money order, you may be charged additional check cashing or other processing fees by others for cashing the check or money order.

MCL 487.2151 Disclosures

A deferred presentment service transaction is not intended to meet long-term financial needs. We can only defer cashing your check for up to 31 days.

You should use this service only to meet short-term cash needs.

State law prohibits us from entering into a transaction with you if you already have a deferred presentment service agreement in effect with us or have more than one deferred presentment service agreement in effect with any other person who provides this service.

If you enter into a transaction with us, we must immediately give you a copy of your signed agreement.

We will pay the proceeds of a transaction to you by check, by money order, or in cash, as you request.

State law entitles you to the right to cancel an agreement and receive a refund of the fee. To do this, if you enter into a transaction today, you must notify us and return the money you receive by the time this office closes tomorrow or on our next business day if we are not open tomorrow.

State law prohibits us from renewing an agreement for a fee. You have to pay any other agreement in full before obtaining additional money from us.

State law prohibits us from using any criminal process to collect on an agreement.

State law entitles you to information regarding filing a complaint against us if you believe that we have violated the law. If you feel we are acting unlawfully, you should call the Department of Insurance and Financial Services toll-free at 1-877-999-6442.

If you are unable to pay your deferred presentment service transaction and have entered into 8 deferred presentment service transactions with any licensee in any 12-month period, state law entitles you to request a repayment of that transaction in installments. We are required to advise you of this option at the time it is available. If you elect this option, you must notify us, either orally or in writing, within 30 days after the maturity date of the deferred presentment transaction. The notice must be provided to us at our place of business. You may be charged an additional fee when the transaction is rescheduled in installments. You will be ineligible to enter into a deferred presentment service transaction with any licensee during the term of the repayment plan. If we refuse to provide this option under the stipulations above, you should contact the Department of Insurance and Financial Services toll-free at 1-877-999-6442.

DPSTA Article 3, Section 33(3)(a) Disclosure

After signing this agreement, if you believe that we have violated the law, you may do 1 of the following:

Before the close of business on the day you sign the agreement, notify us in person of the violation. You must provide supporting documents or other evidence of the violation.

At any time before signing a new deferred presentment service agreement with us, notify us in writing of the violation. Your written notice must state the violation and provide supporting documents or other evidence of the violation.

We have 3 business days to determine if we agree that we have violated the law and let you know of that determination.

If we agree that we have violated the law, we must return your check and you must return the cash received under the agreement. Additionally, for each violation, we must pay you restitution equal to 5 times the amount of the fee we charged you under the agreement but not less than $15.00 or more than the face amount of your check. You may also pursue an action for your actual damages against us.

If we do not agree that we have violated the law, we may present your check for payment or enter your check into the check-clearing process on or after the maturity date. If your check is returned to us unpaid, we may take other legal steps to collect our money.

If you still believe we violated the law, you may file a written complaint including supporting documents or other evidence with the Department of Insurance and Financial Services. The Department is required to investigate your complaint and has the authority to order us to pay you restitution if they agree that we violated the law. In addition, the Department can order us to pay civil fines or take away our right to do business. To do so, contact the Department of Insurance and Financial Services toll-free at 1-877-999-6442.

Tax Services

Rest assured your taxes will be done right with our Certified Tax Services. We partner with eTax to give you an estimate of your federal tax refund in minutes.* Plus, we can help you quickly and accurately prepare and file your taxes.

Free Refund estimation

Tax return preparation

Filing services

Pre-Tax Season Estimation:

Come in anytime between November and the start of tax season for a free estimate* of your upcoming federal tax refund.

What To Bring For Tax Filing:

Interest or Other Income Earned Statements (Form 1099-DIV or 1099-INT)

Social Security Number (you, your spouse, children and other dependents)

Mortgage Statement (Form 1098)

Government Issued ID

Any Other Relevant Documents

Services vary by store.

*This is only an estimate of your federal tax refund based upon the number of dependents, filing status and income information you provide. Actual federal refund may vary. Estimate does not take into consideration any tax preparation or other fees that may apply. Tax preparation, filing and refund estimation services are provided by eTax, Inc. d/b/a eTax Partners. Advance America is not affiliated with eTax Partners.

What To Expect:

Visa® Prepaid Card

Looking for a smart way to control your finances? Go with Purpose℠. Our Purpose Visa® Prepaid Card is a reloadable card you can use everywhere Visa® debit cards are accepted. The Purpose Card℠ is loaded with helpful features and benefits.

No credit check*

FDIC–insured1

Pay your bills online

Shop online safely and securely

Add up to two additional cards to manage family spending2

Get paid up to 2 days faster**

What to Expect:

Register a card and activate at a location

Use your card anywhere Visa® is accepted

Get your personalized card in the mail

Reload your card at over 130,000 locations

Services vary by store.

Purpose Visa® Prepaid Cards are issued by MetaBank™, Member FDIC, pursuant to a license from Visa U.S.A. Inc.

*IMPORTANT INFORMATION FOR OPENING A NEW CARD ACCOUNT: To help the federal government fight the funding of terrorism and money laundering activities, the USA PATRIOT Act requires all financial institutions and their third-party service providers to obtain, verify, and record information that identifies each person who opens a Card Account. What this means for you: When you open a Card Account, we will ask for your name, street address, date of birth, and other information that will allow us to identify you. We may also ask to see a copy of your driver’s license or other identifying documents. In accordance with federal regulations, until it is activated and registered, a prepaid debit card is subject to an initial load limitation, may not be used for international transactions or account-to-account transfers, or be reloaded.

**Faster access to funds is based on comparison of traditional banking policies versus electronic direct deposit. Direct deposit and faster direct deposit capability is subject to payor’s support of the feature and timing of payor’s funding. Check with your payor to find out when the direct deposit of funds will start. While this feature is available for free, certain other transaction fees and costs, terms, and conditions are associated with the use of this Card. See Cardholder Agreement for more details.

1 Upon successful activation and registration of the Card Account, your funds on deposit at MetaBank™ Member FDIC, are insured1 up to $250,000. Coverage limit is subject to aggregation of all of Cardholder’s funds held on deposit at MetaBank.

2 $4.98 fee for each additional card. The Primary Cardholder is responsible for all fees and transaction costs incurred by the Secondary Cardholder. Secondary Cardholder must be at least 13 years of age and will be subject to ID verification. See Cardholder Agreement for details.

A single payday advance is typically for two to four weeks. However, borrowers often use these loans over a period of months, which can be expensive. Payday advances are not recommended for long-term financial solutions.